JP6875432B2 - Information processing method, information processing device, and information processing program - Google Patents

Description

The present disclosure relates to information processing methods, information processing devices, and information processing programs.

In recent years, there has been known a technique for performing identity verification using an online identity verification service called eKYC (see, for example, Patent Document 1). As a result, the convenience of the user can be improved as compared with the conventional personal authentication method in which the customer sends an identity verification document such as a copy of the identification card and sends a transfer-free mail to the customer's home. Further, there is known a method of completing the personal authentication in the payment service by associating the payment service with the bank account whose personal authentication has been completed.

Special Table 2018-591567

However, if the user has not set up a bank account to transfer funds to the account of the payment service, the funds that can be used by the payment service cannot be transferred to the account even if the identity verification by eKYC has been completed. It was inconvenient for me.

An object of the present disclosure is to provide a technique for improving the convenience of a payment service.

In the information processing method according to the embodiment of the present disclosure, when the information processing device generates a user's account related to the payment service and satisfies a predetermined condition, the user uses the postpaid service usage proposal message. When the process of transmitting to the information processing terminal and the request for use of the postpaid service are received from the information processing terminal, the amount is less than or equal to the maximum amount of the postpaid service according to the information regarding the amount of money associated with the account. A process of determining a candidate amount composed of a plurality of amounts and a process of setting an upper limit amount of the postpaid service for the account from the candidate amounts are executed.

It is a figure which shows the structure of the communication system which concerns on one Embodiment of this disclosure. It is a figure which shows an example of the hardware composition of the server and the terminal which concerns on embodiment. It is a figure which shows an example of the block diagram which shows the functional structure of the server and the terminal which concerns on embodiment. It is a figure which shows an example of the processing sequence of the communication system which concerns on embodiment. It is a figure which shows an example of the proposal screen of the postpaid service displayed on the terminal in step S4. It is a figure which shows an example of the upper limit amount determination screen displayed on a terminal in step S6. It is a figure which shows an example of the upper limit amount determination screen displayed on a terminal in step S6. It is a figure which shows an example of the screen transition of the postpaid service use screen displayed on the terminal after step S7. It is a figure which shows an example of the postpaid service use screen after using the settlement process of step S8.

<Legal compliance>
The disclosures described herein, if implemented, shall be made in compliance with the laws and regulations of each country in which this disclosure is implemented. In addition, the disclosures described herein are made with all modifications, substitutions, modifications, alterations, and amendments that can be made by those skilled in the art necessary to comply with national legislation.

A mode for implementing a payment service that can improve the convenience of the present disclosure will be described with reference to the drawings.

<System configuration>
FIG. 1 is a diagram showing a configuration of a communication system 1 according to an embodiment of the present disclosure. As disclosed in FIG. 1, in the communication system 1, the server 110A and the server 110B are connected to the terminal 120A, the terminal 120B, and the terminal 120C via the network 130.

In the present disclosure, when it is not necessary to distinguish between the server 110A and the server 110B, the server 110A and the server 110B may be expressed as the server 110, respectively.

In the present disclosure, when it is not necessary to distinguish between the terminal 120A, the terminal 120B, and the terminal 120C, the terminal 120A, the terminal 120B, and the terminal 120C are referred to as a terminal 120 (an example of an "information processing terminal"). It may be expressed.

In the present disclosure, when it is not necessary to distinguish between the server 110 and the terminal 120, the server 110 and the terminal 120 may be referred to as an information processing device 200, respectively. The number of information processing devices 200 connected to the network 130 is not limited to the example shown in FIG.

The server 110 provides a predetermined service to the terminal 120 used by the user via the network 130. Prescribed services are not limited to, for example, payment services, financial services, electronic commerce services, SNS (Social Networking Service) represented by messaging services using instant messenger, etc., content provision services such as songs, videos, books, etc. including. When the user uses a predetermined service via the terminal 120, the server 110 can provide the predetermined service to one or more terminals 120. The terminal 120 is, for example, a terminal such as a user's smartphone, and splits the bill using a payment service or the like provided by the server 110.

In the present disclosure, the settlement service means a service that allows one or more users to give and receive money or money equivalents. Not limited, but as an example, one-dimensional code (bar code, etc.), two-dimensional code (QR code (registered trademark), etc.) (Hereafter, the one-dimensional code and the two-dimensional code are collectively referred to as "two-dimensional code, etc." .), Short-range wireless communication (NFC (Near Field Communication), BLE (Bluetooth (registered trademark) Low Energy), Wi-Fi (registered trademark), ultrasonic communication, infrared communication, etc.) including. In addition, the fact that the terminal 120 of the user (payer) who pays the price makes a payment by reading a two-dimensional code or the like is expressed as "user-readable code payment" or "MPM (Merchant Presented Mode)" and payment is made. The terminal 120 of the user who performs the payment displays the two-dimensional code or the like, and the terminal 120 of the user (seller, claimant) such as the store who charges the price reads the displayed two-dimensional code or the like to make a payment. This is expressed as "store-reading code payment" or "CPM (Consumer Presented Mode)". The MPM and CPM may be dynamic or static.

If necessary, the terminal used by the user X is expressed as the terminal 120X, and the user information in the predetermined service associated with the user X or the terminal 120X is expressed as the user information X. The user information is user information associated with an account used by the user in a predetermined service. The user information is not limited but, as an example, input by the user or given by a predetermined service, the user's name, the user's icon image, the user's age, the user's gender, the user's address, and the user's taste. Includes information associated with the user, such as preferences and user identifiers, electronic value (electronic money) balance information associated with the user, and credit card information (credit card number, etc.) associated with the user. Any one or a combination of the above may be used.

The network 130 plays a role of connecting two or more information processing devices 200. The network 130 means a communication network that provides a connection route so that data can be transmitted and received after the terminal 120 connects to the server 110.

One or more parts of the network 130 may be a wired network or a wireless network. The network 130 is not limited to, for example, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), and a wireless network. LAN (Wireless LAN: WLAN), Wide Area Network (WAN), Wireless WAN (Wireless WAN: WWAN), Metropolitan Area Network (MAN), Part of the Internet, Public Exchange Telephone Network (Public) Switched Telephone Network: Part of PSTN, mobile network, ISDNs (Integrated Service Digital Networks), wireless LANs, LTE (Long Term Evolution), CDMA (Code Division Multiple Access), Bluetooth (Bluetooth (registered trademark)), satellite It can include communications, etc., or a combination of two or more of these. The network 130 can include one or more networks 130.

The information processing device 200 may be any information processing device as long as it can realize the functions and methods described in the present disclosure.

The information processing device 200 is not limited but, for example, a smartphone, a mobile phone (feature phone), a computer (not limited, for example, a desktop, a laptop, a tablet, etc.), a server device, a media computer platform (not limited, as an example). , Cables, satellite set top boxes, digital video recorders, etc.), handheld computer devices (PDA (Personal Digital Assistant), e-mail clients, etc., not limited), wearable terminals (glasses, not limited, examples, etc.) Includes clock-type devices, etc.), other types of computers, or communication platforms.

<Hardware configuration>
The hardware configuration of the information processing apparatus 200 included in the communication system 1 will be described with reference to FIG. FIG. 2 is a diagram showing an example of the hardware configuration of the information processing apparatus 200 according to the embodiment.

The information processing device 200 includes a processor 201, a memory 202, a storage 203, an input / output interface (input / output I / F) 204, and a communication interface (communication I / F) 205. Each component of the hardware of the information processing apparatus 200 is connected to each other via bus B, for example, without limitation.

The information processing device 200 realizes the functions and / or methods described in the present disclosure in cooperation with the processor 201, the memory 202, the storage 203, the input / output I / F 204, and the communication I / F 205. To do.

The processor 201 executes a function and a method realized by a code or an instruction contained in a program stored in the storage 203. The processor 201 is not limited, but as an example, a central processing unit (CPU), an MPU (Micro Processing Unit), a GPU (Graphics Processing Unit), a microprocessor (microprocessor), a processor core (processor core), and a multiprocessor (multiprocessor). , ASIC (Application-Specific Integrated Circuit), FPGA (Field Programmable Gate Array), etc., and logic circuits (hardware) formed in integrated circuits (IC (Integrated Circuit) chips, LSI (Large Scale Integration)), etc. Each process disclosed in each embodiment may be realized by a dedicated circuit. Further, these circuits may be realized by one or a plurality of integrated circuits, and a plurality of processes shown in each embodiment may be realized by one integrated circuit. Further, the LSI may be referred to as a VLSI, a super LSI, an ultra LSI, or the like due to the difference in the degree of integration.

The memory 202 temporarily stores the program loaded from the storage 203 and provides a work area to the processor 201. Various data generated while the processor 201 is executing the program are also temporarily stored in the memory 202. The memory 202 includes, but is not limited to, a RAM (Random Access Memory), a ROM (Read Only Memory), and the like.

The storage 203 stores the program. The storage 203 includes, but is not limited to, an HDD (Hard Disk Drive), an SSD (Solid State Drive), a flash memory, and the like.

The communication I / F 205 transmits / receives various data via the network 130. The communication may be executed by wire or wirelessly, and any communication protocol may be used as long as mutual communication can be executed. The communication I / F 205 has a function of executing communication with another information processing device via the network 130. The communication I / F 205 transmits various data to another information processing device according to an instruction from the processor 201. Further, the communication I / F 205 receives various data transmitted from other information processing devices and transmits the various data to the processor 201.

The input / output I / F 204 includes an input device for inputting various operations to the information processing device 200 and an output device for outputting the processing result processed by the information processing device 200. The input / output I / F 204 may be integrated with the input device and the output device, or may be separated into the input device and the output device.

The input device is realized by any one or a combination of all kinds of devices capable of receiving an input from a user and transmitting information related to the input to the processor 201. The input device includes, but is not limited to, hardware keys such as a touch panel, a touch display, and a keyboard, a pointing device such as a mouse, a camera (operation input via an image), and a microphone (operation input by voice).

The output device is realized by any one of all kinds of devices capable of outputting the processing result processed by the processor 201, or a combination thereof. When the processing result is output as a video or moving image, the output device is realized by any or a combination of all kinds of devices capable of displaying the display data according to the display data written in the frame buffer. To. Output devices include touch panels, touch displays, monitors (not limited to examples, liquid crystal displays, OELD (Organic Electroluminescence Display), etc.), head-mounted displays (HDMs), projection mapping, holograms. , A device capable of displaying images, text information, etc. in the air (which may be a vacuum), a speaker (audio output), a printer, and the like. Note that these output devices may be capable of displaying display data in 3D.

The program of each embodiment of the present disclosure may be provided stored in a computer-readable storage medium. The storage medium can store the program in a "non-temporary tangible medium". Programs include, but are not limited to, software programs and computer programs as examples.

When appropriate, the storage medium may be one or more semiconductor-based or other integrated circuits (ICs) (for example, without limitation, field programmable gate arrays (FPGAs), application-specific ICs (ASICs), etc. ), Hard disk drive (HDD), hybrid hard drive (HHD), optical disk, optical disk drive (ODD), optical magnetic disk, optical magnetic drive, floppy diskette, floppy disk drive (FDD), magnetic It can include tapes, solid drive (SSD), RAM drives, secure digital cards or drives, any other suitable storage medium, or any suitable combination of two or more of these. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile, where appropriate.

Further, the program of the present disclosure may be provided to the information processing apparatus 200 via an arbitrary transmission medium (communication network, broadcast wave, etc.) capable of transmitting the program.

Each embodiment of the present disclosure may also be realized in the form of a data signal embedded in a carrier wave, in which the program is embodied by electronic transmission.

The program of the present disclosure is implemented using, for example, JavaScript (registered trademark), a script language such as Python, C language, Go language, Swift, Kotlin, Java (registered trademark), and the like.

At least a part of the processing in the information processing apparatus 200 may be realized by cloud computing composed of one or more computers.

At least a part of the processing in the information processing apparatus 200 may be performed by another information processing apparatus. In this case, at least a part of the processing of each functional unit realized by the processor 201 may be performed by another information processing device.

<Others>
Unless explicitly stated, the configuration of the determination in the embodiment of the present disclosure is not essential, and a predetermined process is operated when the determination condition is satisfied, or a predetermined process is performed when the determination condition is not satisfied. You may.

In the present disclosure, "at least one of A and B" means "A, B, or both," unless otherwise stated or indicated by context. Furthermore, unless otherwise stated or indicated by context, "a", "an", or "the" shall mean "one or more". Thus, herein, "an A" or "the A" means "one or more A" unless otherwise stated or otherwise indicated by context.

The present disclosure includes all modifications, substitutions, modifications, modifications, or modifications that can be made by those skilled in the art with respect to the embodiments and examples of the present disclosure. Also, the appended claims include all modifications, substitutions, modifications, modifications, or modifications made by those skilled in the art with respect to the embodiments and examples of the present disclosure. Further, the present disclosure includes any combination of one or more features of an embodiment or example in the present disclosure that can be made by one of ordinary skill in the art and one or more features of another embodiment or example in the present disclosure. To do.

In addition, a device or system or device or system component that is adapted, arranged, capable, configured, usable, operational, or operational to perform a particular function. The appended claims reference to is made the device, system, or component so adapted, arranged, capable, configured, enabled, and operational. As long as it can be operated or operated, it includes the device, system, component, whether the device, system, component or its specific function is activated, turned on, or unlocked.

Unless explicitly stated, the present disclosure may obtain the consent of the user in advance or immediately before the implementation of any embodiment or embodiment. In addition, the consent to be obtained may be comprehensive or may be obtained on a case-by-case basis.

<Embodiment>
The embodiment of the present disclosure is an embodiment in which a postpaid service in which a maximum amount is set is provided to an account that has been authenticated by eKYC and used for payment processing.

According to the embodiment, the payment service can be used even when the bank account to be deposited in the payment service account is not linked, the convenience of the user can be improved, and the maximum amount of the postpaid service is set, so that the user can feel secure in the service. The effect of being able to give a feeling can be obtained.

<Functional configuration of the embodiment>
The functional configuration of the server 110 and the terminal 120 will be described with reference to FIG. FIG. 3 is a diagram showing an example of a block diagram showing a functional configuration of the server 110 and the terminal 120 according to the embodiment. The functional unit disclosed in FIG. 3 is realized by the cooperation of the processor 201, the memory 202, the storage 203, the input / output I / F 204, and the communication I / F 205 included in the information processing device 200.

(1) Functional configuration of the server
The server 110 includes a reception unit 311, a transmission / reception unit 312, a control unit 313, and a storage unit 314. The function or processing of each functional unit may be realized by machine learning or AI (Artificial Intelligence) to the extent feasible.

The reception unit 311 receives various setting operations and the like from a business operator that operates various services provided by the server 110.

The transmission / reception unit 312 transmits / receives data to / from the terminal 120 according to the instruction of the control unit 313. In addition, the transmission / reception unit 312 is, for example, a session for communication using HTTPS or the like with the terminal 120 or the like when the user of the terminal 120 or the like is authenticated by the user ID and the password included in the login request from the terminal 120 or the like. To connect. Then, the communication address of the terminal 120 and the like, the user ID, and the like are stored in association with the ID of the connected communication session. Then, data is transmitted to the terminal 120 or the like using the connected communication session.

The control unit 313 performs a process of providing services such as a payment service, an electronic coupon distribution service, a financial service, and an electronic commerce service to the user of the terminal 120. The control unit 313 causes the transmission / reception unit 312 to transmit information for controlling the display screen of the terminal 120.

The storage unit 314 stores user information of the terminal 120 and various information such as payment history and attributes of each user.

(2) Functional configuration of the terminal
The terminal 120 has a reception unit 321, a transmission / reception unit 322, a control unit 323, and a storage unit 324. The function or processing of each functional unit may be realized by machine learning or AI (Artificial Intelligence) to the extent feasible.

The reception unit 321 receives various operations and the like from the user of the terminal 120.

The transmission / reception unit 322 transmits / receives data to / from the server 110 or the like in accordance with the instructions of the control unit 323. The transmission / reception unit 322 connects, for example, a communication session with the server 110 using HTTPS or the like when logging in to the server 110. Then, the communication address and the like of the server 110 are stored in association with the ID of the connected communication session. Then, data is transmitted to the server 110 using the connected communication session.

The control unit 323 performs processing using various services such as a payment service, a financial service, and an electronic commerce service provided by the server 110. The control unit 323 controls the display screen of the terminal 120 based on the information received from the server 110 and the like.

The storage unit 324 stores information for using various services such as a payment service provided by the server 110.

<Processing of the embodiment>
The processing of the communication system 1 according to the embodiment will be described with reference to FIG. FIG. 4 is a diagram showing an example of a processing sequence of the communication system 1 according to the embodiment. It is assumed that the terminal 120 has been authenticated by the server 110 using the user's account when communicating with the server 110.

In step S1, the control unit 313 of the server 110 creates an account of the user of the terminal 120 related to the payment service. In this step, for example, the control unit 323 of the terminal 120 sends a request for creating an account to the server 110, and the server 110 responds to the information necessary for creating an account (for example, the identification information of the terminal 120, the telephone number, etc.). A request is made to the terminal 120, and the control unit 313 of the server 110 creates an account using the information received from the terminal 120. If the user of the terminal 120 already has an account of another service other than the payment service provided by the provider associated with the payment service of the present embodiment, the account of this other service is used. It may be diverted as an account for payment services.

In step S2, the control unit 313 of the server 110 uses eKYC to authenticate the identity of the user who created the account. eKYC is an electronic customer verification (Know Your Customer: KYC) method, which is an identity verification service that is completed online. In eKYC, for example, the user of the terminal 120 transmits the ID card with a face photo and the image data of the face to the server 110, and the server 110 compares the face photo of the ID card received from the terminal 120 with the face image. You can authenticate yourself. That is, even if a bank account is not set up, personal authentication can be easily performed only by exchanging information between the terminal 120 and the server 110.

The process of step S2 is, for example, not only immediately after the account creation in step S1 but also at the timing when the personal authentication of the user of the terminal 120 is required after the account creation (for example, the points given to the account are cashed and withdrawn). If you want to do it, etc.) In this step, for example, the server 110 sends a notification to the terminal 120 to authenticate the person by eKYC and a request for information (identification card and face image data) necessary for the eKYC, and the terminal 120 responds to the request to the server. Identity authentication is performed using the information transmitted to 110.

When the identity verification by eKYC is completed, the account will be ready for deposit and withdrawal. However, since the person is authenticated using eKYC, the bank account that can be credited to the account is not linked, and the bank account cannot transfer money to the account. In other words, you cannot immediately charge your account with value. Therefore, in the present embodiment, in step S3, the control unit 313 of the server 110 transmits a message for proposing the use of the postpaid service to the user of the terminal 120 via the transmission / reception unit 312.

Here, "deferred payment service" defines the amount, interest rate, period, type of collateral, etc., and in many cases, lends funds by taking promissory notes and borrowing certificates, determines losses, usage fees, period, etc. Or lend a right. In particular, in the present embodiment, between the user of the terminal 120 and the payment service provider of the server 110, the maximum amount of money that can be used in a predetermined period and the payment deadline of the usage amount are set, and money is transferred from the server 110 to the terminal 120. A service that lends and deposits money into an account. The loan of money may be made on a regular basis.

In step S4, the control unit 323 of the terminal 120 displays the postpaid service proposal screen on the display screen of the terminal 120 based on the postpaid setting proposal message received from the server 110. When the user of the terminal 120 performs an operation to set the postpaid service, in step S5, the control unit 323 of the terminal 120 requests the server 110 to use the postpaid service via the transmission / reception unit 322 in response to this operation. Send your request.

FIG. 5 is a diagram showing an example of a postpaid service proposal screen displayed on the terminal 120 in step S4. As shown in FIG. 5, on the payment service screen 121 displayed on the terminal 120, the postpaid service setting button 122 is displayed in response to the proposal from the server 110 in step S3. Further, the postpaid service explanation window 123 may be popped up on the payment service screen 121. When the user of the terminal 120 presses the postpaid service setting button 122, a request for setting the postpaid service in step S5 is transmitted to the server 110, and the screen transitions to the upper limit amount setting screen 124 of FIG. 6 to be described later.

In step S6, the control unit 313 of the server 110 sets the upper limit amount of the postpaid service of the user of the terminal 120 in response to the reception of the postpaid service setting request from the terminal 120.

In step S6, the upper limit amount can be set differently for each user, for example, based on the user information of the terminal 120. For example, the "maximum amount" of the postpaid service that can be given to the user based on the user information can be set, and this maximum amount can be set as the upper limit amount.
The user information for determining the maximum amount includes, for example, any one or more of the following information.
(1) Trading history of goods in the user's transaction service (2) Past usage history in the user's payment service (3) Maximum amount actually set by other users similar to the user (4) User's creditworthiness ( 5) User attributes (age, gender, etc.)
(6) Annual income and assets of the user (7) Amount that can be lent to the user in accordance with the total amount regulation

More specific information regarding (1) above can be found in, for example, the presence or absence of past payment delinquency, the amount used, and the seller side in the transaction service among other services provided by the provider associated with the payment service. Mutual evaluation with the buyer side, the number of cancellations of the transaction, etc. are included. Alternatively, analyze the content of comments exchanged between the user and the other party in buying and selling products by text mining, etc., and use the information obtained by the analysis whether the user is a good person or whether there is any trouble with the other party. You can also.

Here, the "transaction service" is, for example, a service that enables a consumer to sell a product, for example, a transaction such as a free market service or an online auction service (online transaction between individuals, CtoC (Consumer to Consumer)). Electronic commerce, online transactions between consumers) services, immediate purchase (pawn shop) services, etc. may be included.

The above (1) may be extended to the usage history of services other than the transaction service provided by the same provider as the payment service provided by the server 110 in the present embodiment. If it is another service of the same provider, it is considered that the server 110 can refer to the personal information about the user. By referring to the usage history of other services of the user, it is possible to set an appropriate upper limit amount suitable for the user. Further, the user may use the history of other services such as the transaction service before creating the account of the payment service of the present embodiment.

More specific information regarding the above (2) includes, for example, information such as the number of cancellations of payment (the higher the number, the lower the evaluation), and the presence or absence of trouble with the payment partner such as a store.

In the above (3), the specific information used to judge the degree of similarity between the user and other users is, for example, age, evaluation, number of transactions, comment content, address, gender, frequency of use, average payment amount. , Etc. are included. Also, in the case of an inter-individual trading service, it can be estimated that there is a problem if there are many transactions, cancellations, CS (customer satisfaction) department interventions, and timing of transaction messages with the other party. ), Etc., can also include specific information about buying and selling.

Further, the method for determining the maximum amount may be performed by the following procedure. First, the control unit 313 of the server 110 determines a candidate amount list including one or more candidate amounts based on the user information, and transmits the list to the terminal 120 for display. Next, when the user of the terminal 120 selects one amount from the candidate amount list, the information of the selected amount is returned from the terminal 120 to the server 110. Then, the control unit 313 of the server 110 determines the selected amount of money received from the terminal 120 as the upper limit amount. Since the user can arbitrarily select the amount, the psychological hurdle that the user has to set a large amount can be lowered.

For the candidate amount in the candidate amount list, for example, the "maximum amount" of the postpaid service that can be given to the user based on the user information is set, and all the amounts in the list are set to be equal to or less than this maximum amount. be able to. The candidate amount list may be any as long as the user can set the amount. For example, the user may be able to specify an arbitrary amount with an adjustment bar in which the lower limit is 0 yen and the upper limit is the maximum amount based on user information.

In the process of setting the upper limit amount in step S6, a screen prompting the user of the terminal 120 to input the desired amount of the upper limit amount is displayed on the terminal 120, and when the user inputs the desired amount, the amount entered in the terminal 120. May be set as the upper limit amount.

In step S7, the control unit 313 of the server 110 transmits the information of the set upper limit amount of the postpaid service to the terminal 120 via the transmission / reception unit 312.

In step S8, the maximum amount of the postpaid service is presented to the user of the terminal 120, and the payment process can be executed.

(Maximum amount setting screen)
With reference to FIGS. 6 and 7, in step S6, a procedure will be described when the control unit 313 of the server 110 includes a process of causing the user of the terminal 120 to select one amount from the candidate amount list. 6 and 7 are diagrams showing an example of the upper limit amount setting screen 124 displayed on the terminal 120 in step S6. As shown in FIG. 6, the upper limit amount setting screen 124 displays a pull-down menu 125 for a candidate amount of the upper limit amount and a setting button 126. In the case of the folding display of the pull-down menu 125, for example, as shown in FIG. 6, the maximum amount that can be given to the user (“¥ 20000” in the example of FIG. 6) is tentatively selected.

When the expansion button 125A of the pull-down menu 125 is pressed, the pull-down menu 125 is expanded and the candidate amount list 127 is displayed as shown in FIG. In the example of FIG. 7, four types of candidate amounts (¥ 20,000, ¥ 15,000, ¥ 10,000, ¥ 5,000) are set by reducing the maximum amount from 20,000 yen in increments of 5,000 yen. These candidate amounts are set by the control unit 313 of the server 110 and transmitted to the terminal 120. When one amount (“¥ 10000” in this embodiment) is selected from the candidate amount list 127, the screen returns to the screen of FIG. 6 and the setting button 126 is pressed, the information on the selected amount is displayed on the terminal. It is transmitted from 120 to the server 110, and the selected amount of money is set as the upper limit amount of money in step S6 by the control unit 313 of the server 110.

FIG. 8 is a diagram showing an example of screen transition of the postpaid service use screen 128 displayed on the terminal 120 after step S7. As shown in FIG. 8A, the postpaid service usage screen 128 reflects and displays the postpaid upper limit amount (¥ 10000) set in step S6, and first, an explanation window indicating that the postpaid service has become available. 129 is popped up.

Even if the deferred payment service is set, if the account has sales amount (account deposit amount) or points, the sales amount or points may be preferentially used for payment processing. In this case, for example, as shown in FIG. 8B, an explanation window 131 for preferentially using sales proceeds / points may be displayed in a pop-up manner.

Then, the postpaid service use screen 128 after closing the explanation windows 129 and 131 of FIGS. 8A and 8B is displayed as shown in FIG. 8C. As shown in FIG. 8C, the postpaid service usage screen 128 displays the available amount column 133 for the postpaid service, the payment amount column 134, and the payment procedure button 132 for the postpaid service, and also provides information such as the payment deadline. It is displayed.

FIG. 9 is a diagram showing an example of the postpaid service use screen 128 after using the payment process in step S8. In FIG. 9, the purchase history 135 of the postpaid service is displayed, and the total amount of the purchase amount displayed in the purchase history 135 is displayed in the payment amount column 134 at the upper part of the screen. Further, as compared with FIG. 8C, the available amount column 133 of the postpaid service is displayed reduced by the amount of the payment amount column 134.

In the example of FIG. 4, the server 110 uses eKYC in the personal authentication process in step S2 as a predetermined condition for proposing the postpaid service to the terminal 120, but the personal authentication is performed without setting the bank account. It may be anything as long as it is done, for example, it may be the case of using the personal limited receipt mail. Further, the user of the terminal 120 may not be associated with a bank account that can transfer funds to the account.

Further, as another predetermined condition in which the server 110 proposes the postpaid service to the terminal 120, for example, the maximum value of the value that can be used for payment, which is charged in the account, may be a predetermined value or less. This is because if the value charged in the account remains in a relatively low range, it can be inferred that the payment amount will be insufficient in many cases, and the postpaid service will be useful for the user in many cases. On the other hand, if the value charged in the account is high, the situation where the payment amount is insufficient is extremely small, and the value of the postpaid service is considered to be low for the user, so it is not necessary to make a proposal.

Further, the process of setting the upper limit amount of the postpaid service in step S6 of FIG. 4 may include a process of changing the upper limit amount according to a change in user information even after the upper limit amount is set once. Further, when the upper limit amount is changed in the process of changing the upper limit amount, a process of notifying the terminal 120 in advance may be included.

The process of changing the maximum amount may include the following process in more detail. A process in which the maximum amount is set to the maximum amount after the change when the maximum amount is increased due to a change in user information and the maximum amount is set to the maximum amount before the change. If the maximum amount is increased due to a change in user information and the maximum amount is set to less than the maximum amount, the maximum amount need not be changed.

In addition, when the maximum amount is reduced due to a change in user information and the maximum amount is set to the maximum amount, the maximum amount is set to the maximum amount after the change. If the maximum amount of money is reduced due to a change in user information and the maximum amount of money is higher than the maximum amount of money after the change, the maximum amount of money may be set as the maximum amount of money after the change. As a result, when the upper limit amount is set lower than the maximum amount than before, even if the maximum amount fluctuates, the upper limit amount can be changed indiscriminately to prevent it from becoming larger than before.

Further, in the process of setting the upper limit amount of the postpaid service in step S6 of FIG. 4, the payment of the postpaid service of the previous month is made so that the upper limit amount set by the user is added every month or the upper limit amount set by the user is reached. It may be configured so that only the amount of money is added every month.

1 Communication system 110 server (information processing device)
311 Reception unit 312 Transmission / reception unit 313 Control unit 314 Storage unit 120 Terminal (information processing terminal)
321 Reception unit 322 Transmission / reception unit 323 Control unit 324 Storage unit

Claims (18)

Information processing device
The process of generating a user account related to the payment service and
A process of sending a postpaid service usage proposal message to the information processing terminal used by the user when certain conditions are met.
When a request for using the postpaid service is received from the information processing terminal, a candidate amount consisting of a plurality of amounts, which is equal to or less than the maximum amount of the postpaid service according to the information regarding the amount associated with the account, is determined. Processing to do and
An information processing method for executing a process of determining an upper limit amount of a postpaid service for the account from the candidate amounts. The information processing method according to claim 1, wherein the predetermined condition includes a case where the user is authenticated without setting a bank account capable of transferring funds to the account. The information processing method according to claim 2, wherein the case where the person is authenticated without setting the bank account is the case where the person is authenticated using eKYC. The information processing method according to any one of claims 1 to 3, wherein the predetermined condition includes a case where the maximum value of the value that can be used for settlement is not more than the predetermined value charged in the account. The information processing method according to any one of claims 1 to 4, wherein the predetermined condition includes a case where a bank account capable of transferring funds is not associated with the user. The information processing method according to any one of claims 1 to 5, wherein the maximum amount is based on a usage history of a service other than the payment service. The information processing method according to any one of claims 1 to 5, wherein the maximum amount is based on the trading history of products of the trading service. The information processing method according to any one of claims 1 to 5, wherein the maximum amount of money corresponds to the past usage history of the payment service of the user. The information processing method according to any one of claims 1 to 5, wherein the maximum amount of money corresponds to an upper limit amount of money set by another user similar to the user. The information processing method according to any one of claims 1 to 5, wherein the maximum amount is according to the creditworthiness of the user. The information processing method according to any one of claims 1 to 5, wherein the maximum amount of money corresponds to the attribute of the user. The process of determining the maximum amount is
The information processing method according to any one of claims 1 to 11, wherein the amount set by the user among the candidate amounts is set as the upper limit amount. The maximum amount of money depends on the user information of the user.
The information processing method further
The information processing method according to any one of claims 1 to 12, which comprises a process of changing the maximum amount of money according to a change in the user information. The process of changing the maximum amount is
The information processing method according to claim 13, further comprising a process of changing the maximum amount of money in response to the change of the maximum amount of money. The process of changing the maximum amount is
Includes a process of determining the maximum amount after the change to be the maximum amount after the change when the maximum amount before the change is the maximum amount before the change and the maximum amount after the change is larger than the maximum amount before the change. The information processing method according to claim 14. The information processing method according to claim 14 or 15, further comprising a process of transmitting the upper limit amount to the information processing terminal used by the user when the upper limit amount is changed in the process of changing the upper limit amount. Generate a user account related to the payment service and
When the predetermined conditions are met, a postpaid service usage proposal message is sent to the information processing terminal used by the user.
When a request for using the postpaid service is received from the information processing terminal, a candidate amount consisting of a plurality of amounts, which is equal to or less than the maximum amount of the postpaid service according to the information regarding the amount associated with the account, is determined. And
A control unit that determines the maximum amount of postpaid service for the account from the candidate amounts.
Information processing device. For information processing equipment
The process of generating a user account related to the payment service and
A process of sending a postpaid service usage proposal message to the information processing terminal used by the user when certain conditions are met.
When a request for using the postpaid service is received from the information processing terminal, a candidate amount consisting of a plurality of amounts, which is equal to or less than the maximum amount of the postpaid service according to the information regarding the amount associated with the account, is determined. Processing to do and
From the candidate amounts, the process of determining the maximum amount of postpaid service for the account, and
An information processing program that executes.

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